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1 epilepsy.org.uk Personal accident insurance for members

2 Personal accident insurance for members This policy covers death, loss of limb, or loss of one or both eyes as a result of an accident. Unlike other personal accident insurance, this unique policy also covers accidents caused by or causing epileptic seizures. Only registered Epilepsy Action members are eligible for this policy. Members automatically receive 1,000 worth of Personal Accident Insurance (PAI) for the duration of their membership subscription and can top-up this cover by purchasing extra units of insurance at their own cost. Whoever is the member has the insurance cover. Therefore, if you have a child with epilepsy and would like them to receive the benefit of the insurance cover, the membership must be in the child s name. The parent can, of course, make payments on the child s behalf. This insurance cover is available to all members living in the United Kingdom. Summary of benefits Personal Accident Insurance is payable in the event of death, loss of one or more limbs, loss of sight in one or both eyes or permanent total disablement resulting from an accident. The personal accident insurance included with membership of Epilepsy Action provides 1,000 worth of cover to each member. That means a total payment of 1,000 in the event of any or all of the following: death resulting from an accident loss of one or more limbs resulting from an accident loss of sight in one or both eyes resulting from an accident loss of speech or loss of hearing resulting from an accident permanent total disablement resulting from an accident. Purchasing extra cover Additional units of insurance can be purchased, with the following options:- Package Annual additional cost to you Extra cover purchased Total cover provided Automatic - - 1,000 Bronze 5 2,500 3,500 Silver 10 5,000 6,000 Gold 25 12,500 13,500 Platinum 40 20,000 21,000 *Premiums are inclusive of Insurance Premium Tax at the current rate of 6%. To buy extra personal accident insurance, please complete and return the form at the back of this booklet. 2

3 Age restrictions New members to Epilepsy Action who are aged 76 or over cannot obtain this Personal Accident cover. However, for existing members who continue to renew their membership after the age of 75, the cover will continue until the end of the period the end of the period of insurance in which an insured person reaches the age of 85 years. In the case of members who are aged over 75, the Accidental Death, Loss of Limb(s) or Loss of Eye(s) cover is limited to 5,000. However, the other benefits are not limited. Definitions and exceptions The terms used by insurers have very specific meanings. It is important that you understand these so that you know exactly what you and your family can claim. Like all insurance policies, there are certain situations and activities for which the policy does not apply. Please carefully read the definitions and exceptions sections in this booklet. If you wish to take part in an excluded activity you may be able to obtain cover on a one off basis. You will need to convince the Insurers that your epilepsy is controlled. Making a claim All claims must fall within the categories above and be for injuries sustained as a result of an accident. However, our policy covers you against death, loss of limb/eye or permanent disability even if the accident causes a seizure or is the result of a seizure. This cover is not available under other accident policies. If you wish to make a claim, contact AIG Europe Limited The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG +44 (0) You should quote your Epilepsy Action membership number and give brief details and the date of the accident. Telephone Richard Whitehead on +44 (0) for further advice on any aspect of personal accident insurance. 3

4 Personal accident insurance Arranged by: D E Ford Insurance Brokers Ltd Poppleton Grange Low Poppleton Lane York YO26 6GZ Underwritten by: AIG Europe Ltd 5th Floor Gallery House The Headrow Leeds LS1 5RD Section 1 - Introduction This group policy sets out the terms of the British Epilepsy Association Personal Accident cover insured by AIG Europe Limited, please read it carefully. It tells an insured person what is covered, what is not covered, what to do if they want to make a claim and who to call if they need help. We agree to provide the insurance cover described in this policy and certificate of membership during the period of insurance to insured persons who have been included in the insurance arrangement provided that the required premium is paid and we agree to accept it. This policy document, together with the certificate of membership and any endorsements, collectively form evidence of the contract between the group policyholder and us and provided to insured persons as a member benefit. A certificate of membership will be issued to insured persons detailing the cover provided to them including the sections of the policy that apply and the limits provided. The group policyholder and we agree that an insured person may increase the amount payable by enrolling into the Bronze, Silver, Gold or Platinum Plans. This selection will be shown in the certificate of membership. Please familiarise yourself with the cover provided by this policy and all the terms, conditions, limitations and exclusions that apply. This group policy document should be read in conjunction with the certificate of membership and reviewed periodically to ensure it continues to meet the needs of the persons covered under this insurance. The group policyholder agrees to make available a copy of the policy to any insured person who is eligible to receive benefits under the group policy. Section 2 - Definitions We use words in this policy which have a specific meaning, and sometimes those meanings are unique to this policy. These words are shown below and each time one of them is used in the policy and certificate of membership (and any endorsements or memoranda attached to the certificate of membership), it is shown in bold type. Any word or expression in bold type has the same meaning whenever it is used throughout this policy. Plural forms of the words defined have the same meaning as the singular form. Please read each section (and subsection) of the policy to see if there are additional definitions applicable to that section (and subsection). Accident A sudden, unexpected and specific event, external to the body, which occurs at an identifiable time and place and which may or may not be caused as the direct result of an epileptic seizure. 4

5 Bodily injury An identifiable physical injury to an insured person s body which is caused directly and solely by an accident, is not intentionally self- inflicted, and does not result from sickness or disease other than as the result of an epileptic seizure. Certificate of membership The certificate showing the name of the insured person, the effective date of cover, the level of cover purchased (Standard, Bronze, Silver, Gold or Platinum) and the premium, which forms part of this policy and should be read in conjunction with this policy document. Coccyx Four fused vertebrae at the bottom of the spine. Doctor A registered medical practitioner who is not an insured person, or related to insured person, or works for or with an insured person, who is currently registered with the General Medical Council in the United Kingdom (or foreign equivalent) to practice medicine. Economic sanctions Any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. Effective date The start date of the policy cover for an insured person shown on the certificate of membership. Gradually operating cause A cause that is the result of a series of events, which occur or develop over time and that cannot be attributable to a single accident, or do not singularly cause bodily injury. Group policyholder The British Epilepsy Association. Insurance arrangement The process by which an insured person has been included or added to this insurance operated by the group policyholder. Insured person a) In respect of Standard cover (see Section 3 - Table of Benefits) any member of the group policyholder, resident in the United Kingdom, and who has paid the required membership fee to the group policyholder; b) In respect of Bronze, Silver, Gold and Platinum cover (see Section 3 - Table of Benefits) any member of the group policyholder s scheme, resident in the United Kingdom, and who has paid the required membership fee and any required additional premium to the group policyholder. Loss Permanent, total and irrecoverable loss of use or the permanent and total loss by physical severance, resulting in separation. Loss of hearing Permanent, total and irrecoverable loss of hearing resulting in the insured person being classified as profoundly deaf. Loss of limb In the case of a leg or lower limb: a) loss by permanent physical severance at or above the ankle; or b) permanent, total and irrecoverable loss of use of a complete leg or foot. 5

6 In the case of an arm or upper limb: a) loss by permanent physical severance of the four fingers at or above the metacarpophalangeal joints (where the fingers join the palm of the hand); or b) permanent, total and irrecoverable loss of use of a complete arm or hand. Loss of sight Permanent, total and irrecoverable loss of sight in both eyes if the insured person s degree of sight remaining after correction is 3/60 or less on the Snellen Scale (seeing at 3 feet what the insured person should see at 60 feet). Lower limbs The thigh, knee, leg below the knee and foot. Medical consultant A doctor or medical specialist who is not an insured person, or related to an insured person, or works for or with an insured person, who either holds a full-time NHS Consultant Post or holds a current Certificate of Completion of Specialist Training (CCST), or is on the Specialist Register held by the General Medical Council (GMC) and holds a specialist accreditation issued by the General Medical Council in accordance with EU Medical Directives (or foreign equivalents) or other similarly recognised body. Medical specialist A person who is not an insured person, or related to an insured person, or works for or with an insured person, who currently holds a recognised qualification and all required accreditation issued by the General Medical Council in accordance with EU Medical Directives (or foreign equivalents) or other similarly recognised body. Operative time 24 hours a day. Period of insurance The period of time agreed between the group policyholder and us to provide the cover to insured persons detailed in this policy and the insured person s certificate of membership. Permanent disability A disability which is permanent, total and irrecoverable, as specifically listed in items 2-5 in the table of benefits applicable to Section 3. Permanent total disablement For an insured person who is in employment for which they receive regular income, the inability of the insured person to continue in any occupation for which they are fitted by way of training, education or employment which in all probability will continue for the rest of their life. For an insured person who is not in employment for which they receive regular income, the inability to work in any paid employment whatsoever and which in all probability will continue for the rest of their life. Profoundly deaf The inability to hear sounds when tested by a qualified audiologist quieter than 90 decibels across frequencies between 500 Hz and 3,000 Hz. Table of benefits The part of this document that describes how much we will pay to an insured person for the level of cover provided (Standard) or selected by the insured person (Bronze, Silver, Gold or Platinum). United Kingdom England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. War Military action, either between nations or resulting from civil war or revolution. 6

7 We, us or our AIG Europe Limited. Section 3 - Personal Accident Section Please check the certificate of membership to determine if cover under this section is operative and the level of cover that applies. What is covered If an insured person has an accident during the operative time, after their effective date and before the end of the period of insurance is reached, which results in the insured person suffering bodily injury which solely and independently of any other cause (other than an epileptic seizure) and within 24 months of the date of the accident, causes a loss specifically mentioned in the table of benefits, we will pay up to the amount shown in the table of benefits. Table of benefits applicable to Section 3 The table of benefits below shows the item numbers, a description of those items and amounts an insured person is covered for by this policy dependent on the benefit limit selected (Standard, Bronze, Silver, Gold or Platinum) which will be shown in the certificate of membership. The cover is provided subject to the terms of the policy, including the conditions set out in Benefit limitations applicable to Section 3 and the exclusions set out in What is not covered under Section 3. Table of Benefits Item Description Benefit Limit Death & Permanent Disabilities Standard Bronze Cover Cover Silver Cover Gold Cover Platinum Cover 1) Death 1,000 2,500 5,000 12,500 20,000 2) Loss of limb (one or more): 1,000 2,500 5,000 12,500 20,000 3) Loss of sight in one or both eyes: 1,000 2,500 5,000 12,500 20,000 4) Loss of hearing in one or both ears: 1,000 2,500 5,000 12,500 20,000 5) Permanent total disablement 1,000 2,500 5,000 12,500 20,000 What is not covered under Section 3 1. No benefit for bodily injury will be payable: a) if the accident occurs in a country where a state of war exists (declared or not) if the accident was the direct consequence of the war; b) if the bodily injury is as the result of the insured person participating in any airborne activities, unless as a fare-paying passenger on a commercial flight; c) if the bodily injury is as the result of the insured person driving a mechanically propelled vehicle in any kind of race; d) if the bodily injury is due to the insured person taking a drug or drugs other than according to the manufacturer s instructions or as prescribed by a doctor; e) if the bodily injury is due to the insured person taking a drug or drugs for the treatment of drug addiction; f) if the insured person s bodily injury is sustained whilst they are directly involved in an unlawful act; g) if the insured person deliberately or recklessly exposes themselves to danger except where they are attempting to avoid serious harm to themselves or others; h) where the bodily injury results in fibromyalgia (a syndrome characterised by chronic pain in the muscles and soft tissues surrounding joints, fatigue and tenderness at specific sites in the body), myalgic encephalomyelitis (muscle pains and inflammation of the brain and spinal cord), chronic fatigue syndrome, post-traumatic stress disorder or other anxiety disorder, any mental disorder or any disease of the nervous system; 7

8 i) if the accident occurs when the insured person s blood/urine alcohol level is above the legal limit stated in the laws of the country where the accident occurs; j) if the bodily injury is contributed to by the insured person s participating in, practising or training for a sport as a professional or semi-professional; k) if it results from sickness or disease (other than epilepsy); l) if the insured person s injuries are intentionally self-inflicted; m) if the bodily injury is sustained whilst the insured person commits or attempts to commit suicide; n) if it results from a gradually operating cause; or o) If the accident occurs outside the territorial limits. 2. Cover under this policy will stop at the end of the period of insurance in which the insured person attains 85 years of age. Benefit limitations applicable to Section 3 1. In the table of benefits for each insured person: a) we will only pay one of items 1 to 5 to an insured person in respect of any one accident and cover will stop from the date of payment. b) we will not pay the benefit under item 5, permanent total disablement if the insured person is under 16 years of age or 66 years of age or over other than if the insured person is 66 years of age or over and is still in paid employment at the date of the accident. c) the maximum amount payable is 2,500 for Bronze cover, 5,000 for Silver cover, 12,500 for Gold cover and 20,000 for Platinum cover. If purchased by an insured person these benefits are payable in addition to the 1,000 for Standard cover. All of an insured person s cover will end from the date of the claim payment. 2. We will not pay any benefit if the insured person resides outside of the United Kingdom for more than 180 consecutive days (see Section 4 - General policy conditions for more details). Existing medical conditions We will only pay for the bodily injury that the insured person has suffered if it is directly as a result of the accident. Any existing physical impairment or medical condition (except epilepsy) that existed before the accident will be taken into consideration in calculating the amount payable on the basis of the difference between the insured person s physical impairment or medical condition before and after the accident. We will ask the insured person s doctor (if suitably qualified) or medical consultant who treated the insured person to make these assessments (or an independent medical consultant or other suitably qualified person if they are unable or unwilling to do so). The assessment will be converted into a percentage by us and applied to the policy benefit payable. Example An insured person is partially blind in their left eye and they then had an accident which leaves them totally blind in that eye and they make a claim under item 3 for loss of sight in one eye. We will ask an independent ophthalmic specialist to assess the difference between the amount of vision they had before and after the accident and if the partial blindness contributed to the cause of the accident. If the independent ophthalmic specialist assesses the pre-accident vision in the left eye at 50%, we will pay 50% of the benefit payable but under item 3 for loss of sight in one eye. If the insured person had selected Silver cover, they will receive a payment of 5,000, plus the Standard cover of 1,000 available to all insured persons. The total payment they will receive is 6,000. 8

9 Section 4 - General policy conditions 1. Assignment This policy may not be assigned or transferred unless agreed by us in writing. 2. Associated companies and change in risk If relevant and subject to our prior written consent, this group policy will cover associated companies of the group policyholder as long as a list of these companies has been provided to and accepted by us. If the group policyholder changes its business activities from those described in the business description advised to us, during a period of insurance it must tell us immediately. 3. Claim notification All claims must be notified as soon as is reasonably practical after the event which causes the claim. Failure to do so may result in our rejection of the claim if it is made so long after the event that we are unable to investigate it fully, or may result in the insured person not receiving the full amount claimed for if the amount claimed is increased as a result of the delay. 4. Interest on amounts payable We will not pay interest on any amount paid under this policy. 5. Disclosure of information When completing an application for this policy, or to vary this policy, reasonable care must be taken by the insured person to ensure that any information given to us by the insured person (whether directly or indirectly) is accurate and complete, including when answering questions we may ask and/or in providing confirmation of or amending any information previously given to us. If there are any changes to an insured person s circumstances and/or the information they have provided is no longer true, valid or up-to-date the insured person must tell us as soon as is reasonably possible as this may affect their policy and their ability to claim under it. 6. Law and jurisdiction This policy will be governed by English law, and the group policyholder, insured persons and we agree to submit to the courts of England and Wales to determine any dispute arising under or in connection with it, unless the insured person resides in Scotland, Northern Ireland or the Isle of Man, in which case the law applicable to that jurisdiction will apply and its courts will have exclusive jurisdiction, unless agreed to the contrary by the group policyholder and us before the start of the period of insurance. The terms and conditions of this policy will only be available in English and all communication relating to this policy will be in English. 7. Policy and premium alteration We will notify the group policyholder of any changes to the terms and conditions, including the premium, of the policy by giving the group policyholder 30 days notice in writing the group policyholder s last known address. We will only make a change to this group policy during each period of insurance in order to reflect a change to the group policyholder s circumstances or in the event of any change in the law affecting this group policy, for example a change in Insurance Premium Tax or other tax. If the changes are acceptable to the group policyholder then this cover will continue. If the changes are not acceptable, the group policyholder may cancel this policy (please see Section 6 - Cancellation and cooling off period for further details). If this happens no claims will be paid if the bodily injury, loss or damage occurs after the date of the cancellation. Any premium for the unused portion of the period of insurance will be returned to the group policyholder. The group policyholder is responsible for notifying insured persons included in this group policy of cancellation or any changes to the terms and conditions. 9

10 8. Residence outside the United Kingdom Cover under this policy cannot continue for an insured person who resides outside the United Kingdom for more than 180 consecutive days. Cover will be cancelled from the 181st day that an insured person resides outside the United Kingdom. Please tell us as soon as this happens so there is no overpayment of premium. 9. Rights of third parties Only the group policyholder, an insured person (or their executor or legal representative in the event of the death of an insured person) and AIG Europe Limited may enforce the terms of this policy and the provisions of the Contracts (Rights of Third Parties) Act 1999 do not apply. 10. Sanctions We will not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit under this policy to the extent that the provision of cover, payment of claim or provision of benefit would expose us, our parent company or our parent company s ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. Section 5 - Start and finish of cover for an insured person An insured person s cover will begin on the date they are included in this insurance through the insurance arrangement. Cover will end on the earliest of the following dates: a) The end of the period for which payment of premium was paid to us (unless this is due to a mistake by the group policyholder); b) The group policyholder or we cancel this group policy (please see Section 6 - Cancellation and cooling off period for further details); c) An insured person notifies the group policyholder that they no longer wish to be included in this group policy; d) An insured person ceases their membership with the group policyholder; e) An insured person dies (although the policy will extend to such death if it is within the scope of this insurance); f) The end of the calendar month in which the insured person attains 85 years of age; g) The end of the period of insurance is reached. Section 6 - Cancellation and cooling off period Cancellation of cover - The group policyholder and us The group policyholder may cancel this group policy by giving 30 days notice in writing to us at the address below: The Group Personal Accident Manager UK AIG Europe Limited, The AIG Building, 58 Fenchurch Street, London EC3M 4AB. We may cancel this group policy by giving 30 days notice in writing to the group policyholder at the group policyholder s last known address. It is the responsibility of the group policyholder to notify insured persons that the policy has been cancelled. If the premium is paid annually, the premium for the period up to the date when the cancellation takes effect will be calculated and any unused portion of the premium paid will be returned, less any claims. Any unpaid premium owed to us for received cover will be requested. If the premium is paid monthly, cancellation takes effect from the end of the period for which the premium is paid by. It is the group policyholder s responsibility to tell an insured person contributing that the premium will no longer be collected. Cancellation of Cover Insured person Other than specifically detailed under the cooling-off period, an insured person may withdraw from their inclusion of cover under this group policy by giving notice to the group policyholder. Cover 10

11 will cease at the end of the period for which payment of premium was paid to us unless the premium is paid annually when a proportionate return will be given to the group policyholder, less any claims. An insured person has no rights to cancel the group policy held by the group policyholder, only the right not to be included. Cooling Off Period Insured person If this group policy does not meet an insured person s needs, they can choose not to be covered by this group policy by writing to the group policyholder or us and returning the policy documentation provided within 15 days of their inclusion on this group policy or the date upon which the insured person receives their insurance documents, whichever is the later. We will refund the premium in full less any valid claims, to the group policyholder to pass on to the insured person if the cost of their inclusion in this insurance has been collected from the insured person. Section 7 - Fraud or false information By the group policyholder Any fraud, deliberate dishonesty or deliberate hiding of information connected with the group policyholder s application for this policy or in connection with a claim, will make this policy invalid. In this event we will not refund any premiums and we will not consider for payment any claims which have not already been submitted to us. Where claims have been made by insured persons under this policy, but remain unpaid, prior to the discovery of such fraud, deliberate dishonesty or deliberate hiding of information, where the insured person making the claim had no involvement in it, such claims will be considered for payment in the usual way. By the insured person Any fraud, deliberate dishonesty or deliberate hiding of information by an insured person at any time will make this policy invalid for that insured person. If this happens, the insured person will lose any benefit due to them and they must pay back any benefit that we have already paid. If this occurs, we will not refund any premiums in respect of that insured person. Section 8 - Payment of benefits Any benefit due will be paid to the insured person who is the subject of the claim (or their executor or legal representative in the event of the death of an insured person). Section 9 - Claims procedure We should be notified as soon as reasonably practicable after the event that a claim is to be made. The claim may be rejected if it is made so long after the event that we are unable to investigate the claim fully, or may result in the insured person not receiving the full amount claimed for if the amount claimed is increased as a result of the delay. Claims are to be notified to: Personal Accident Claims Department, The AIG Building, 2-8 Altyre Road, Croydon, CR9 2LG. Telephone: +44 (0) We will ask for the completion of a claim form and for the claimant to provide at their own expense all reasonable and necessary evidence required by us to support a claim including information to show that the bodily injury is a result of an accident. If the information supplied is insufficient, we will identify the further information which is required. This evidence may include written confirmation from the group policyholder that the insured person was insured at the time of 11

12 the accident and, if applicable, that they have paid the premium for the period of their inclusion under this group policy. If we do not receive the information we need, we may reject the claim. We may ask the insured person to attend one or more medical examinations. If we do, we will pay the cost of the examination(s) and for any medical reports and records and the insured person s reasonable travelling expenses to attend and any person required to travel with them, if these expenses are agreed by us in advance. If the insured person fails to attend without reasonable cause, we may reject the claim. The insured person must give us permission to obtain any medical reports or records needed from any doctor or medical consultant who has treated them; otherwise we may not pay the claim. If the insured person dies, we have the right to ask for a post-mortem examination if we believe it necessary to assess their claim at our expense. If this is refused, we may not pay the claim. Section 10 - How we use personal information AIG Europe Limited is committed to protecting the privacy of customers, claimants and other business contacts. Personal Information identifies and relates to insured person or other individuals (e.g. an insured person s dependants). By providing Personal Information the insured person give permission for its use as described below. If the group policyholder or an insured person provides Personal Information about another individual, they confirm that they are authorised to provide it for use as described below. The types of Personal Information we may collect and why - Depending on our relationship with the insured person, Personal Information collected may include: identification and contact information, payment card and bank account, credit reference and scoring information, sensitive information about health or medical condition, and other Personal Information provided by the insured person. Personal Information may be used for the following purposes: Insurance administration, e.g. communications, claims processing and payment Decision-making on provision of insurance cover and payment plan eligibility Assistance and advice on medical and travel matters Management and audit of our business operations Prevention, detection and investigation of crime, e.g. fraud and money laundering Establishment and defence of legal rights Legal and regulatory compliance, including compliance with laws outside the insured person s country of residence Monitoring and recording of telephone calls for quality, training and security purposes Marketing, market research and analysis To opt-out of any marketing communications that we may send insured person s, contact us by at: or by writing to: Marketing Preference Team, The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom. If an insured person opts-out we may still send other important communications, e.g. communications relating to administration of the insurance policy or claim. Sharing of Personal Information - For the above purposes Personal Information may be shared with our group companies, brokers and other distribution parties, insurers and re-insurers, credit reference agencies, healthcare professionals and other service providers. Personal Information will be shared with other third parties (including government authorities) if required by law. Personal information (including details of injuries) may be recorded on claims registers shared with other insurers. We are required to register all third party claims for compensation relating to bodily injury to workers compensation boards. We may search these registers to detect and prevent fraud or to validate an insured person s claims history or that of any other person or property likely to be involved in the policy or claim. Personal Information may be shared with prospective purchasers and purchasers, and transferred upon a sale of our company or transfer of business assets. 12

13 International transfer - Due to the global nature of our business Personal Information may be transferred to parties located in other countries, including the United States and other countries with different data protection laws than in the insured person s country of residence. Security and retention of Personal Information Appropriate legal and security measures are used to protect Personal Information. Our service providers are also selected carefully and required to use appropriate protective measures. Personal information will be retained for the period necessary to fulfil the purposes described above. Requests or questions - To request access or correct inaccurate Personal Information, or to request the deletion or suppression of Personal Information, or object to its use, please or write to Data Protection Officer, Legal Department, AIG Europe Limited, The AIG Building, 58 Fenchurch Street, London EC3M 4AB. More details about our use of Personal Information can be found in our full Privacy Policy at or an insured person may request a copy using the contact details above. Section 11 - If something goes wrong with our service Complaints procedure We believe the group policyholder and insured persons deserve a courteous, fair and prompt service. If there is any occasion when our service does not meet the expectations of the group policyholder or insured persons, please contact us using the appropriate contact details below and provide the Policy/Claim Number and the name of the group policyholder or insured person to help us to deal with the comments quicker. Claims related complaints: Personal Accident Claims Manager UK, AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG. Telephone: +44 (0) Facsimile: +44 (0) Online: and select Feedback & Complaints All other complaints: The Customer Relations Unit UK, AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG. Telephone: +44 (0) Facsimile: +44 (0) Online: and select your feedback We will acknowledge the complaint within 5 business days of receiving it, keep the complainant informed of progress and do our best to resolve matters to their satisfaction within 8 weeks. If we are unable to do this the complainant may be entitled to refer the complaint to the Financial Ombudsman Service who will review the case. We will provide full details of how to do this when we provide our final response letter addressing the issues raised. Please note: The Financial Ombudsman Service will not consider a complaint if we have not been provided with the opportunity to resolve it previously. The Financial Ombudsman Service can be contacted at: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone: (free for people phoning from a fixed line, i.e. a landline at home) (free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02) Following this complaint procedure does not affect your right to take legal action. 13

14 Section 12 - Financial Services Compensation Scheme (FSCS) We are covered by the FSCS. If we are unable to meet our financial obligations you may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. For this type of insurance, 90% of your claim is covered, without any upper limit. Further information about compensation scheme arrangements is available at and on , or Section 13 - Other information This insurance is underwritten by AIG Europe Limited. AIG Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN ). This can be checked by visiting the FS Register (http://www.fca.org.uk). AIG Europe Limited is registered in England under number Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom. AIG Europe Limited is a member of the Association of British Insurers. Copyright AIG Europe Limited 2014 All Rights Reserved. 14

15 Buying extra personal accident insurance I am a member of Epilepsy Action and would like to increase my personal accident insurance. I have read and understand the age restrictions. Name: Address: Postcode: Date of birth: Membership number: Signature: In addition to the 1,000 worth of cover that I receive as part of my membership, I would like to purchase the following additional cover (please tick on option). Bronze 2,500 for 5.00 p/a Gold 12,500 for p/a Silver 5,000 for p/a Platinum 20,000 for p/a By cheque/postal order Please make your cheque or postal order payable to Epilepsy Action By credit/debit card I wish to pay using my Mastercard / Visa / Maestro / Solo / Amex* card. (*Please circle the card type) Card number: Start date: / Expiry date: / Security code: Name on card: If the billing address is different to the address above, please attach details. Please send this form and your payment to Epilepsy Action, New Anstey House, Gate Way Drive, Yeadon, Leeds LS19 7XY Epilepsy Action New Anstey House, Gate Way Drive, Yeadon, Leeds LS19 7XY tel Epilepsy Action is a working name of British Epilepsy Association. A company limited by guarantee (registered in England No ) Registered charity in England (No ) Copyright Epilepsy Action 2015

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This policy summary does not contain the full terms and conditions of the policy; these can be found in the policy document. Who is the insurer? Life and Critical Illness is underwritten by Lloyd s Syndicate

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